Cumberland County Affordable Housing Trust Fund First-Time Homebuyer's Program

Cumberland County Affordable Housing Trust Fund First-Time Homebuyer's Program is sponsored by Cumberland County, PA. This program from Cumberland County, Pennsylvania, provides assistance to first-time homebuyers through its Affordable Housing Trust Fund. Seniors purchasing their first home in Cumberland County may be eligible.

PA Homebuyer Mortgage Assistance - Find Programs by County The PA Homebuyer Assistance Center is a privately owned business website for Quaint Oak Mortgage , that is not affiliated with any local, state, or government agency, is not a referral service, is not a non-profit or not for profit and is not intended to be used as a primary resource.

Finding the Right Homebuyer Assistance Program Have you been saving money for a down payment on your dream home, but unsure about the homebuyer assistance programs available to you? With a range of programs tailored to match different homebuyers’ situations, you can explore the resources below and find the perfect homebuyer assistance program to help achieve your goals.

Discover Mortgage Assistance Options in Pennsylvania We are here to make purchasing a home easier for you. By clicking on the program links below, you can learn more about the details, benefits, and application processes of the mortgage assistance choices available to you. The PA Homebuyer Assistance Center is committed to helping you find a program that meets your needs and discover your path to homeownership.

Connect with our team to get started . Pennsylvania Statewide Programs First Front Door Program – $5,000 First Front Door (FFD) can help homebuyers with closing costs and down payment. For every $1 you contribute, FFD will provide $3 in assistance, up to $5,000.

The loan is forgiven if the property is not sold prior to five years, but is not forgiven if sold prior to five years. Funding is limited and available on a first-come, first-serve basis.

Learn More About the First Front Door Program Employer Assisted Housing (EAH) Initiative – $8,000 Eligible employees can receive a Keystone Advantage Assistance Loan of up to $8,000 for the down payment and/or closing cost assistance in the form of an interest loan amortized over ten years.

Learn More About the EAH Initiative HOMEstead Downpayment and Closing Cost Assistance Loan – $10,000 Homebuyers eligible for the HOMEstead program may qualify for up to $10,000 in down payment and closing cost assistance in the form of a no-interest, second mortgage loan.

Learn More About the HOMEstead Downpayment and Closing Cost Assistance Loan Keystone Advantage Assistance Loan Program – $6,000 The Keystone Advantage Assistance Loan Program provides a second mortgage loan to help with the costs associated with the purchase of a home.

Qualified borrowers can receive up to four percent (4%) of the purchase price or market value or $6,000 (whichever is less) in down payment and closing cost assistance to be repaid monthly. The assistance loan will be amortized over a ten-year term at zero percent (0%) interest.

Learn More About the Keystone Advantage Assistance Loan Program The Good Neighbor Next Door Program is available through the Housing and Urban Development Program for teachers, firefighters, law enforcement officers, and emergency medical technicians. Eligible buyers can receive up to a 50% discount on the list price of the home as long as they commit to live in the property for 36 months.

Learn More About the Good Neighbor Next Door Keystone Forgivable in Ten Years Loan Program (K-FIT) The Keystone Forgivable in Ten Years Loan Program (K-FIT) is available for qualified homebuyers, to provide assistance towards down payment and/or closing costs. This program provides a second mortgage loan to help buyers supplement the costs of homeownership.

Eligible borrowers may receive five percent (5%) of the lesser of the purchase price or appraised value with no maximum dollar limit in down payment and closing cost assistance. The K-FIT loan is forgiven on an annual basis over ten years at a rate of ten percent (10%) a year.

Learn More About the Keystone Forgivable in Ten Years Loan Program (K-FIT) Assistance Programs by Counties Allegheny County Homebuyer Loan Program – Up to $5,000 Learn More About Allegheny County Assistance Programs Berks County Homebuyer Loan Program – Minimum $3,000 to Maximum of 105% CLTV Learn More About Berks County Assistance Programs Bucks County Homebuyer Program – Up to $10,000 Learn More About Bucks County Assistance Programs Chester County Homebuyer Program – Up to $20,000 Learn More About Chester County Assistance Programs Cumberland County Homebuyer Program – Up to $5,000 Learn More About Cumberland County Assistance Programs Dauphin County Homebuyer Program – Up to $3,000 Learn More About Dauphin County Assistance Programs Delaware County Homeownership First Program – Up to $5,000 Learn More About Delaware County Assistance Programs Media Fellowship Program – Up to $4,000 Deposit Match Plus Additional Media Fellowship Program Up to $10,000 Learn More About Media – Delaware County Assistance Programs Lancaster County Homebuyer Programs – Not to Exceed 8% of the Sale Price Learn More About Lancaster County Assistance Programs Luzerne Country Homebuyer Program – Up to $7,500 Learn More About Luzerne County Assistance Programs Montgomery County Homebuyer Program – Up to $10,000 Learn More About Montgomery County Assistance Programs Northampton County Home Buyer Program – Up to $10,000 Learn More About Northampton County Assistance Programs Philly First Home Program – Up to $10,000 Learn More About Philadelphia County Assistance Programs York County Down Payment and Closing Cost Assistance – Up to $10,000 (City of York Not to Exceed 8% of Sales Price) Learn More About York County Assistance Programs Washington County Homebuyer Program – Up to 17% of the Purchase Price Learn More About Washington County Assistance Programs Available Through the Home Program Snapshot Learn More About Westmoreland County Assistance Programs Assistance for Home Buyers by City Looking for programs intended to provide assistance for home buyers specific to a certain city?

Learn more on the U.S. Department of Housing and Urban Development Site. Your Resource for Homebuyers Assistance Programs The PA Homebuyer Assistance Center acts as a resource for shoppers searching for options that make purchasing a home more affordable. If the programs listed above do not meet your needs, contact our team .

We will work with you to try and find a solution for purchasing your dream home. Quaint Oak Mortgage is an approved lender for some of the programs that are being offered on this webpage. All homebuyer assistance and grant programs are subject to the recipient obtaining a qualifying first mortgage loan from a participating lender.

Not all applicants will qualify. All home lending products are subject to credit score, LTV (loan to value), DTI (debt to income) requirements and property approval. Rates, program terms and conditions are subject to change without notice.

Not all products are available in all states or counties and the amount may vary depending on geographical location. Other restrictions and limitations apply depending on the Grant or Homebuyer Assistance program available. Quaint Oak Mortgage is not an approved lender for every program.

Please note that some programs listed on this website may involve a second mortgage with monthly payments. In some cases these payments can be forgiven, deferred, or subsidized in some manner until resale of the mortgaged property.

Grants and Down payment assistance amount may be due upon sale, refinance, transfer, repayment of the loan, if the property is rented or not occupied by the recipient or if the senior mortgage is assumed during the term of the loan. Some programs require repayment with interest and borrowers should become fully informed prior to closing.

Some Down Payment assistance and Grant programs may only be applied once to an eligible mortgage/property, regardless of the number of applicants. Approved applicants may not always receive the maximum allowable amount offered through the program. Some grant programs have limited funding for the year and will close for the year once the funding threshold has been met.

Please refer to the program guidelines for additional details. Financing is based on the lower of the appraisal value or contract purchase price. Maximum income and Max loan amount limits may apply.

For some grant programs where income limitations apply the borrower cannot be a student working less than 30 hours per week. Borrowers cannot receive program funds as cash back in excess of earnest money deposits and or closing costs. Down Payment Grant programs may be considered taxable income, a 1099-MISC may be issued, consult with your tax Advisor for further details.

Homebuyer education classes may be required to participate in the homebuyer assistance and grant programs. Homebuyer assistance programs and Grant programs are not available with all mortgage loan products being offered or advertised, please ask for details when applying.

Some homebuyer assistance programs are offered with FHA loan products- FHA loans require an up-front mortgage insurance premium (UFMIP) which may be financed, or paid at closing and monthly MI premiums will also apply. For down payments less than 20% on conventional loans, Private Mortgage Insurance (PMI) may be required and PMI charges may apply. Many down payment assistance programs are only available to first time homebuyers.

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